Method for transferring an amount to be paid

ABSTRACT

A method for transferring an amount to be paid is provided. The method includes searching for available wireless devices and selecting a payee via input provided through one of the available wireless devices. The method includes selecting a payment option for transferring a payment amount to the payee and entering the payment amount. The method includes authorizing payment instructions to the payee and receiving confirmation that the payment amount was received by the payee.

RELATED APPLICATIONS/PRIORITY CLAIMS

This application is a continuation of (and claims priority under 35 USC120 to) U.S. patent application Ser. No. 13/214,163 filed on Aug. 20,2011 entitled “Process and Method for Conducting Electronic TransactionsUsing Wireless and Cellular Devices” which is a continuation of patentapplication Ser. No. 12/576,147 filed on Oct. 8, 2009 and entitled“Process and Device for Conducting Electronic Transactions” which inturn claims priority of patent application Ser. No. 09/721,728 filed onNov. 25, 2000 and entitled “Process and Device for Conducting ElectronicTransactions” which in turn claims priority from Provisional ApplicationSer. Nos. 60/170,829 filed Dec. 14, 1999, entitled “System and processof conducting transactions associated with parking tickets or parkingcitations using the Internet and e-commerce,” 60/167,938 filed Nov. 29,1999, entitled “System and process of conducting transactions associatedwith traffic tickets or citations using the Internet and e-commerce,”60/174,123 filed Dec. 31, 1999, entitled “System and process ofconducting transactions associated with Emergency vehicles or PoliceAdministrative Citation using the Internet and e-commerce,” 60/174,124filed Dec. 31, 1999, entitled “System and process of conductingtransactions associated with Court Tickets, Court Warrant or CourtCitations using the Internet and E-commerce,” 60/199,910 filed Apr. 26,2000, entitled “A system and process of conducting transactionsassociated with city or county utilities (water, sewer, property tax,and/or Garbage) using the internet and e-Commerce,” the entiredisclosures of which are hereby incorporated herein by reference.

FIELD

This disclosure relates to a process and a device for conductingelectronic transactions.

BACKGROUND

Currently, a Police Administration Citation or Police AdministrationTicket is issued to the individual committing the offense who is foundto be guilty by the Judicial Department. This would involve thecollection of all expenses for the dispatch of Emergency Vehicles,incurred during the course of the incident. A copy of the PoliceAdministration Citation or Police Administration Ticket is entered intothe Judicial Department Database manually or from an Electronic Handheld Police Administration Citation issuing device. The individual hasthe opportunity to pay the Police Administration Citation/ticket by mailwith a check, cashiers check or in person with cash within 21 days fromthe date of the issuance. If no payment has been made, there may bepenalties incurred after this time. Once the grace period has run outthe, incurred amount is then added to the local Department of MotorVehicle's registration procedure, also there may be a hold placed on thevehicle registration until the new amount (original+penalties) is paid.This process is very cumbersome.

Currently, the Citation is issued to the individual committing theoffense and a copy is entered into the Police Department Databasemanually. After approximately 45 days the citation is transferred to theCourt of County Clerks office, where a warrant is issued and another 15day grace period begins. The individual has the opportunity pay thecitation by mail with a check, cash or cashiers check within theoriginal 45 days or in person during the 15 day grace period. There maybe penalties incurred during this time. Once the warrant is issued theindividual will then have to appear in front of the Presiding Judge andmake arrangements for payment. This may include time-triggered paymentsor automatic payroll deductions. This process is very cumbersome.

Currently, a Citation is issued to the individual committing the offensewho can be found to be guilty or not guilty by the Judicial Department.This would involve the collection of all expenses incurred during thecourse of the incident/accident. Currently a copy of the citation,warrant or ticket is entered into the Judicial Department Databasemanually. The individual has the opportunity to pay the citation,warrant or ticket by mail with a check, cashiers check or in person withcash within 21 days from the date of the issuance. They also have theoption to plead Guilty (and pay the fine issued, set up a court date) orNon-Guilty (and pay the fine and set up a court date) or they can simplypay the fine. If no payment has been made, there may be penaltiesincurred after this time. Once the grace period has run out the, localPolice Department are ordered to find the individual and arrest them.There also may be a hold placed on their bank accounts to secure theamount necessary to satisfy the fine. This process is very cumbersome.

Currently, a Citation is issued to the individual committing the offenseand a copy is entered into the Judicial Department Database manually orfrom an Electronic Hand held citation-issuing device. The individual hasthe opportunity pay the citation/ticket by mail with a check, a cashierscheck or in person with cash within 21 days from the date of theissuance or sign-up for a educational course through the PoliceDepartment. If no payment has been made, there may be penalties incurredafter this time. Once the grace period has run out the, incurred amountis then added to the local Department of Motor Vehicle's registrationprocedure, also there may be a hold placed on the vehicle registrationuntil the new amount (original+penalties) is paid. This process is verycumbersome.

Currently, a Utility: water and garbage entity issues a bill to aindividual or business. This would involve the collection of funds forthe dispatch of Utilities (Water and/or Garbage), incurred during thecourse of a specified time period. Currently a copy of the Utilities(Water and/or Garbage) is entered into the City/county Databasemanually. The individual has the opportunity to pay the bill by mailwith a check; a cashier's check or in person with cash within 30 daysfrom the date of the invoice. If no payment has been made, there may bepenalties incurred after this time. Once the grace period has run outthe, incurred amount is then added to the previous months. After 3months the City may issue a lien on the property in question until thenew amount (original+penalties) is paid. This process is verycumbersome.

SUMMARY

In one embodiment, this invention deals with Police AdministrationCitations/Bill or Police Administration Ticket violations for illegalnon-moving violation per the rules set by the City, County, State,Township or local government. This invention provides a simpler and moreefficient way to pay the Emergency Vehicle, Police Administration Ticketor Police Administration Citation using the Internet. Thus, in oneembodiment, this invention provides a cost-effective means of collectingrevenue from Police Administration Police Administration Citation and/orViolations using the Internet.

In one embodiment, this invention relates to a system to enable one topay a traffic Violation Ticket or Citation via the Internet. The systeminvolves a Web Browser who access the Corporate in-house Server inreal-time which collects the necessary information and then interactswith the Corporate database for retrieval of vital information andamount balances to satisfy the payment of a Citation or Traffic ticket.This information is then confirmed and used to contact Banks and otherFinancial Institutions for payment of the Citation or Traffic Violation.

The Corporate database is updated in Real-time with all necessaryinformation to satisfy the Citation or Traffic Violation. The Funds aretransferred into the Corporate Bank and a validation voucher is issuedvia E-mail to the customer and Corporate notifying of this transaction.This invention deals with Traffic Citations or Traffic ticket violationsfor speeding or any other moving violation per the rules set by theCity, County or local government. Thus this invention provides acost-effective means of collecting revenue from Traffic Citations and/orViolations using the Internet.

In one embodiment, this invention relates to a system to enable one topay a Court Ticket, Court Warrant or Court Citation via the Internet.The system involves a Web Browser who access the Corporate in-houseServer in real-time which collects the necessary information and theninteracts with the Corporate database for retrieval of vital informationand amount balances to satisfy the payment of the Citation, Warrant orTicket. This information is then confirmed and used to contact Banks andother Financial Institutions for payment of the Citation, Warrant orTicket. The Corporate database is updated in Real-time with allnecessary information to satisfy the Citation, Warrant or Ticket. TheFunds are transferred into the Corporate Bank and a validation voucheris issued via E-mail to the customer and Corporate notifying of thistransaction. In one embodiment, this invention deals with CourtCitations; Court Warrant or Court Ticket violations for illegalnon-moving violation per the rules set by the County, Township, State orlocal government. This invention provides a simpler and more efficientway to pay the Court Citation, Court Ticket or Court Warrant using theInternet. Thus this invention provides a cost-effective means ofcollecting revenue from Court Ticket, Court Citations, Court Warrantusing the Internet.

In one embodiment, this invention relates to a system to enable one topay a Parking Violation Ticket or Citation via the Internet. The systeminvolves a Web Browser who access the Corporate in-house Server inreal-time which collects the necessary information and then interactswith the Corporate database for retrieval of vital information andamount balances to satisfy the payment of the Citation or ParkingTickets. This information is then confirmed and used to contact Banksand other Financial Institutions for payment of the Citation or ParkingViolation. The Corporate database is updated in Real-time with allnecessary information to satisfy the Citation or Parking Violation. TheFunds are transferred into the Corporate Bank and a validation voucheris issued via E-mail to the customer and Corporate notifying of thistransaction. This invention deals with Parking Citations or ParkingTicket violations for Illegal non-moving violation per the rules set bythe City, Township or local government. In one embodiment, thisinvention provides a simpler and more efficient way to pay the ParkingTickets or Citation using the Internet. Thus this invention provides acost-effective means of collecting revenue from Parking Citations and/orViolations using the Internet.

In one embodiment, this invention relates to a system to enable one topay a Utility (Water/Garbage) Invoice via the Internet. The systeminvolves a Web Browser which access the Corporate in-house Server inreal-time which collects the necessary information and then interactswith the Corporate database for retrieval of vital information andamount balances to satisfy the payment of the Invoice for Utilities(Water and/or Garbage). This information is then confirmed and used tocontact Banks and other Financial Institutions for payment of theInvoice.

The Corporate database is update with all necessary information tosatisfy the Invoice. The Funds are transferred into the Corporate Bankand a validation voucher is issued via E-mail to the customer andCorporate notifying of this transaction. This invention deals withUtilities (Water and/or Garbage) for City, County, State, Township orlocal government. In one embodiment, this invention provides a simplerand more efficient way to pay the Utilities (Water and/or Garbage) usingthe Internet. Thus this invention provides a cost-effective means ofcollecting revenue from the customers using the Internet.

One embodiment of this invention relates to a process for conducting atransaction using a medium, comprising generating a receipt and apayment remittance information; enabling an entity to authorize apayment due on the receipt; and associating the payment with the paymentremittance information; wherein the payment remittance information isarranged within a data structure according to a prescribed format, thedata structure comprising one or more open data fields to hold data thatthe entity can enter, and the payment remittance information furthercomprises a structured remittance data that is kept hidden from theentity.

Another embodiment relates to process of executing computer-executableinstructions using a medium, comprising storing a receipt and a paymentremittance information, the payment remittance information comprising astructured remittance data that is kept hidden from an entity;presenting the receipt to the entity without revealing the structuredremittance data; enabling the entity to specify payment instructionscomprising at least an amount to be paid on the receipt and an accountat a payor from which to draw the amount while prohibiting the entityfrom altering data contained in the structured remittance data;associating the payment instructions with the structured remittancedata; transmitting the payment instructions to the payor to initiatepayment of the amount; and routing the amount to a payee.

Another embodiment relates to a device, comprising means for generatinga receipt and a payment remittance information; means for enabling anentity to authorize a payment due on the receipt; and means forassociating the payment with the payment remittance information; whereinthe device conducts a transaction using a medium, and wherein thepayment remittance information is arranged within a data structureaccording to a prescribed format, the data structure comprising one ormore open data fields to hold data that the entity can enter, and thepayment remittance information further comprises a structured remittancedata that is kept hidden from the entity.

Still another embodiment relates to a device, comprising means forstoring a receipt and a payment remittance information, the paymentremittance information comprising a structured remittance data that iskept hidden from an entity; means for presenting the receipt to theentity without revealing the structured remittance data; means forenabling the entity to specify payment instructions comprising at leastan amount to be paid on the receipt and an account at a payor from whichto draw the amount while prohibiting the entity from altering datacontained in the structured remittance data; means for associating thepayment instructions with the structured remittance data; means fortransmitting the payment instructions to the payor to initiate paymentof the amount; and means for routing the amount to a payee.

The receipt is selected from the group consisting of a traffic ticket, acitation, a utility bill, a court ticket, a court warrant, hospitalreceipt, a rental receipt, a property tax receipt, a property transfertax receipt, a business permits receipt, a business license receipt, abusiness license renewal receipt, an administrative citation receipt, afacility rental receipt, a class sign-up receipt, a building permitreceipt, a planning permit receipt, an airport use receipt, a roads andhighway receipt, a fire department receipt, a waste disposal receipt, arecycling waste bill, a marriage license receipt, a birth certificatereceipt, a death certificate receipt, a lien receipt, a passportapplication receipt, a passport renewal receipt, a visa applicationreceipt, a visa renewal receipt, a land development maps receipt, anUnited States Geological Service Maps Division receipt, an InternalRevenue Service receipt, a State Tax Board receipt, a Driver's licenserenewal receipt, a Vehicle License tags renewal receipt, a car insurancereceipt, an electric bill, a phone bill, a gas bill, a water receipt, abusiness tax receipt and a parking ticket.

The medium or device is selected from the group consisting of acomputer, a cellular telephone, a portal, a network, Internet, smartcards, a wireless access device, smart crystals, hand-held displayscreens, fiber optics, digital optical readers, digital print readers, abroadband network, a DVD-ROM, a CD-RW, a telecommunication line cord, abio-crystal network, bar codes, data crystals, artificial intelligence,laser scanners and computer-executable instructions.

The entity is selected from the group consisting of a citizen, abusiness, an institution, an agency and a university. The payor isselected from the group consisting of a bank, an entity and a creditcard facility. The payee is selected from the group consisting of anintermediary, a government agency, a government department, a business,citizens and a collection agency.

In some embodiments a method for transferring an amount to be paid isprovided. The method includes searching for available wireless devicesand selecting a payee via input provided through one of the availablewireless devices. The method includes selecting a payment option fortransferring a payment amount to the payee and entering the paymentamount. The method includes authorizing payment instructions to thepayee and receiving confirmation that the payment amount was received bythe payee.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 schematically shows a three-tier system architecture layout foran entity hardware and software design process of conductingtransactions associated with Court Tickets, Court Warrants or CourtCitations using the Internet and E-commerce.

FIG. 2 schematically show a three-tier system architecture layout for anentity hardware and software design process of conducting transactionsassociated with Traffic Tickets or Citations using the Internet andE-commerce.

FIG. 3 schematically show a three-tier system architecture layout for anentity hardware and software design process of conducting transactionsassociated with Emergency Vehicles or Police Administrative Citationusing the Internet and E-commerce

FIG. 4 schematically show a three-tier system architecture layout for anentity hardware and software design process of conducting transactionsassociated with Parking Tickets or Parking Citations using the Internetand E-commerce.

FIG. 5 schematically shows a three-tier system architecture layout foran entity hardware and software design process of conductingtransactions associated with Utilities (Water, sewer, property taxand/or Garbage) using the Internet and E-Commerce.

FIG. 6 schematically shows a three-tier system architecture layout foran entity hardware and software design process of conductingtransactions using the Internet and E-Commerce.

DETAILED DESCRIPTION

FIG. 6 schematically shows an overview of a three-tier systemarchitecture layout for an entity hardware and software design processof conducting transactions, for example associated with Utilities, usingthe Internet and E-Commerce. Different preferred embodiments of thisinvention are described below.

In one embodiment, this invention relates to a system to enable one topay a Police Administration Ticket or Police Administration Citation viathe Internet. The system involves a Web Browser who access the Corporatein-house Server in real-time which collects the necessary informationand then interacts with the Corporate database for retrieval of vitalinformation and amount balances to satisfy the payment of the PoliceAdministration Citation or Emergency Vehicles. This information is thenconfirmed and used to contact Banks and other Financial Institutions forpayment of the Police Administration Citation or Police AdministrativeViolation. The Corporate database is update with all necessaryinformation to satisfy the Police Administration Citation or PoliceAdministrative Violation. The Funds are transferred into the CorporateBank and a validation voucher is issued via E-mail to the customer andCorporate notifying of this transaction. This invention relates to asystem, which allows one to pay Police Administration ticket or PoliceAdministration Citation via the Internet in a very convenient manner.This is expected to help the local Police Administration office or City,County, State, Judicial Department in collecting the funds in a moretimely manner, allowing the payee to continue to be a good citizen, andpossibly be able to track the payments with less number of staffs.

In one embodiment, this invention involves the payment of a PoliceAdministration Ticket or Police Administration Citation issued by aCity, County, State, Judicial Department or Office of the Court Clerksto be paid over the Internet using E-commerce and TPA's (Trading Partneragreements), banks and Financial Institutions. This standard method formaking payments will be replaced with Electronic Data Interchange (EDI)and Electronic Funds Transfer (EFT); this will be done in real-time.Their License Plate Number and necessary information would be updated tothe Corporate database and the appropriate funds (retrieved fromCorporate database) would have to be paid. Once the payment has beenmade The Office of the Court of Clerks, Justice department or City,County, State, County Judicial Department would then be notified of thepayment and funds would be transferred into their bank account. Thecustomer would receive a verification number that the process wascompleted successfully. If the payment is made during the original timeperiod then no further action is warranted; however if the warrant isissued, then the Department of Motor Vehicle would also have to benotified of the satisfaction of debt. The system also connects multipleusers across a variety of systems. This system enables the delivery ofsecure Internet payment capabilities to the Corporate of this serviceprovider. Payment Manager enables ISP's (Internet Service providers),PPP's (Point-to-Point Protocol), SHTP's (Secure Hypertext TransferProtocol), Banks and Financial Institutions to quickly and easily linkthe Customer to Corporation payment processors to handle the complexe-commerce transactions. The software integrates with virtually allbusiness processes and applications, and works with multiple operatingsystems and databases using customized software for uploading anddownloading of necessary information files.

In one embodiment, this invention relates to a system, which allows oneto pay Traffic Violations ticket or Citation via the Internet in a veryconvenient manner. This is expected to help the local city policedepartment in collecting the funds in a more timely manner, and possiblybe able to track the payments with less number of staffs.

In one embodiment, this invention involves the payment of a TrafficTicket or Traffic Citation issued by a City Police Department to be paidover the Internet using E-commerce, banks and Financial Institutions.This standard method for making payments will be replaced withElectronic Data Interchange (EDI) and Electronic Funds Transfer (EFT).This will be done in real-time. Once the payment has been made the CityPolice Department (Corporate) would then be notified of the payment andfunds would be transferred into their bank account. The customer wouldreceive a verification number that the process was completedsuccessfully. The system also connects multiple users across a varietyof systems. This system enables the delivery of secure Internet paymentcapabilities to the Corporate of this service provided.

Payment Manager enables ISP's, CSPs, Asp's, Banks and FinancialInstitutions to quickly and easily link the Customer to Corporationpayment processors to handle today's complex e-commerce transactions.The software integrates with virtually all business processes andapplications, and works with multiple operating systems and databasesusing customized software for uploading of necessary information files.

In one embodiment, this invention relates to a system, which allows oneto pay Court Citation, Court Tickets, and Court Warrant via the Internetin a very convenient manner. This is expected to help the local Court ofClerks or City Judicial Department in collecting the funds in a moretimely manner, allow the payee to continue to be a good citizen and beable to track the payments with less number of staffs.

In one embodiment, this invention involves the payment of a CourtTicket, Court Warrant or Court Citation issued by a City JudicialDepartment or Office of the Court of Clerks to be paid over the Internetusing E-commerce and TPA's (Trading Partner agreements), banks andFinancial Institutions. This standard method for making payments will bereplaced with Electronic Data Interchange (EDI) and Electronic FundsTransfer (EFT), this will be done in real-time. Their name and necessaryinformation would be updated to the Corporate database and theappropriate funds (retrieved from Corporate database) would have to bepaid. Once the payment has been made The Office of Court of Clerks,City, County Department would then be notified of the payment and fundswould be transferred into their bank account. The customer would receivea verification number that the process was completed successfully viae-mail.

The system also connects multiple users across a variety of systems.This system enables the delivery of secure Internet payment capabilitiesto the Corporate of this service provided.

Payment Manager enables ISP's (Internet Service providers), PPP's(Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol),Banks and Financial Institutions to quickly and easily link the Customerto Corporation payment processors to handle the complex e-commercetransactions. The software integrates with virtually all businessprocesses and applications, and works with multiple operating systemsand databases using customized software for uploading and downloading ofnecessary information files.

In one embodiment, this invention relates to a system which allows oneto pay Parking Violations ticket or Citation and sign-up for the driverstraining school, via the Internet in a very convenient manner. This isexpected to help the local Parking Violations office or City JudicialDepartment in collecting the funds in a more timely manner, and possiblybe able to track the payments with less number of staffs.

In one embodiment, this invention involves the payment of a ParkingTicket or Parking Citation issued by a City Judicial Department orOffice of Parking Violations to be paid over the Internet usingE-commerce and TPA's (Trading Partner agreements), banks and FinancialInstitutions. This standard method for making payments will be replacedwith Electronic Data Interchange (EDI) and Electronic Funds Transfer(EFT), this will be done in real-time. If the individual chooses tosign-up for the driver's training school, their name and necessaryinformation would also be updated to the Corporate database and theappropriate funds (retrieved from Corporate database) would have to bepaid. Once the payment has been made The Office of ParkingViolations/City Judicial Department (Corporate) would then be notifiedof the payment and funds would be transferred into their bank account.The customer would receive a verification number that the process wascompleted successfully. The system also connects multiple users across avariety of systems. This system enables the delivery of secure Internetpayment capabilities to the Corporate of this service provided. PaymentManager enables ISP's (Internet Service providers), PPP's(Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol),Banks and Financial Institutions to quickly and easily link the Customerto Corporation payment processors to handle today's complex e-commercetransactions. The software integrates with virtually all businessprocesses and applications, and works with multiple operating systemsand databases using customized software for uploading and downloading ofnecessary information files.

In one embodiment, this invention relates to a system, which allows oneto pay a Utility bill (Water/Garbage) via the Internet in a veryconvenient manner. This is expected to help the local City, County,State, Accounting Departments in collecting the funds in a more timelymanner, allowing the payee to continue to be a good citizen, andpossibly be able to track the payments with less number of staffs.

In one embodiment, this invention involves the payment of a Utilities(Water/Garbage) bill to be paid over the Internet using E-commerce andTPA's (Trading Partner agreements), banks and Financial Institutions.This standard method for making payments will be replaced withElectronic Data Interchange (EDI) and Electronic Funds Transfer (EFT),this will be done in real-time. The information would be updated to theCorporate database and the appropriate funds (retrieved from Corporatedatabase) would have to be paid. Once the payment has been made TheOffice of the Finance Director or other appropriate official Departmentwould then be notified of the payment and funds would be transferredinto their bank account. The customer would receive a verificationnumber that the process was completed successfully. If the payment ismade during the original time period then no further action iswarranted; however if the lien were issued, then the Office of Court ofClerks would also have to be notified of the satisfaction of debt. Thesystem also connects multiple users across a variety of systems. Thissystem enables the delivery of secure Internet payment capabilities tothe Corporate of this service provider. Payment Manager enables ISP's(Internet Service providers), PPP's (Point-to-Point Protocol), SMTP's(Secure Hypertext Transfer Protocol), Banks and Financial Institutionsto quickly and easily link the Customer to Corporation paymentprocessors to handle the complex e-commerce transactions. The softwareintegrates with virtually all business processes and applications, andworks with multiple operating systems and databases using customizedsoftware for uploading and downloading of necessary information files.

Table 1 shows the preferred means for various means for doing differentfunctions of this invention.

TABLE 1 means for generating a receipt Internet, Smart cards, Wirelessaccess and a payment remittance device, smart crystals, hand-heldinformation display screens, fiber optics, VAN (Value Added Network)database, digital optical readers, digital print readers, broadbandnetwork, DVD-ROM, CD-RW, Telecommunication line cord, bio- crystalnetwork, Secure Socket Layers (SSL)-order of magnitude better, keyboard,bar codes, laser scanners, User Interface without Server (UIwS) andcomputer-executable instructions means for enabling an entity toComputer instructions, computer authorize a payment due on the generatedinstructions, VAN (Value receipt Added Network) database, keyboard,Secure Socket Layers (SSL)-order of magnitude better, instructionsinitiated by a entity, User Interface without Server (UIwS), PPP's(Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol)and means for associating the Computer instructions, computer paymentwith the payment generated instructions, VAN (Value remittanceinformation Added Network) database, instructions initiated by a entityand keyboard means for storing a receipt and a Computer storage diskdrive, data payment remittance information, crystals, VAN (Value Addedthe payment remittance Network) database, artificial informationcomprising a intelligence, wireless storage structured remittance datathat is networks, smart cards and keyboard kept hidden from an entitymeans for presenting the receipt Computer storage disk drive, data tothe entity without crystals, VAN (Value Added revealing the structuredNetwork) database, artificial remittance data;. intelligence, SecureSocket Layers (SSL)-order of magnitude better, wireless storagenetworks, smart cards, ISP's (Internet Service providers), PPP's(Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol),keyboard and User Interface without Server (UiwS) means for enabling theentity to Computer storage disk drive, data specify payment instructionscrystals, VAN (Value Added comprising at least an amount to Network)database, artificial be paid on the receipt and an intelligence, smartSecure Sockets account at a payor from which to Layer (SSSL), wirelessstorage draw the amount while networks, smart cards, ISP's (Internetprohibiting the entity from Service providers), PPP's (Point-to-altering data contained in the Point Protocol), SHTP's (Securestructured remittance data; Hypertext Transfer Protocol), keyboard andUser Interface without Server (UIwS) means for associating the VAN(Value Added Network) payment instructions with the database, SHTP's(Secure Hypertext structured remittance data; Transfer Protocol) andkeyboard means for transmitting the A computer, a cellular telephone, apayment instructions to the payor portal, a network, Internet, smart toinitiate payment of the cards, VAN (Value Added Network) amount;database, a wireless access device, smart crystals, hand-held displayscreens, fiber optics, digital optical readers, digital print readers, abroadband network, a DVD-ROM, a CD-RW, a telecommunication line cord, abio-crystal network, bar codes, data crystals, keyboard, artificialintelligence, laser scanners, Secure Socket Layers (SSL)-order ofmagnitude better, ISP's (Internet Service providers), PPP's (Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol), UserInterface without Server (UIwS) and computer-executable instructions.means for routing the amount to a VAN (Value Added Network) payeedatabase, Secure Socket Layers (SSL)-order of magnitude better, keyboardand User Interface without Server (UiwS) means for transmitting thereceipt A computer, a cellular telephone, a and the payment remittanceportal, Secure Socket Layers (SSL)~ information to at least an order ofmagnitude better, a network, intermediary Internet, smart cards, awireless access device, smart crystals, hand-held display screens, fiberoptics, digital optical readers, digital print readers, a broadbandnetwork, ISP's (Internet Service providers), PPP's (Point-to- PointProtocol), SHTP's (Secure Hypertext Transfer Protocol), a DVD- ROM, aCD-RW, a telecommunication line cord, a bio- crystal network, VAN (ValueAdded Network) database, keyboard, bar codes, data crystals, artificialintelligence, laser scanners, User Interface without Server (UIwS),keyboard and computer-executable instructions. means for specifying apayment Computer storage disk drive, data date crystals, artificialintelligence, Keyboard, Secure Socket Layers (SSL)--order of magnitudebetter, wireless storage networks, smart cards, VAN (Value AddedNetwork) database, PPP's (Point-to-Point Protocol), SHTP's (SecureHypertext Transfer Protocol), keyboard and User Interface without Server(UIwS) means for designating the payee Secure Socket Layers (SSL)-orderof magnitude better, VAN (Value Added Network) database, SHTP's (SecureHypertext Transfer Protocol), keyboard and User Interface without Server(UIwS) comprising means for submitting A computer, a cellular telephone,the payment instructions an Secure Socket Layers (SSL)-order of accountclearing house payment magnitude better, a portal, a network, system ora credit card Internet, smart cards, a wireless access processing systemdevice, smart crystals, hand-held display screens, fiber optics, digitaloptical readers, digital print readers, a broadband network, a DVD-ROM,a CD-RW, a telecommunication line cord, a bio-crystal network, VAN(Value Added Network) database, bar codes, data crystals, artificialintelligence, laser scanners, ISP's (Internet Service providers), PPP's(Point-to-Point Protocol), SHTP's (Secure Hypertext Transfer Protocol),User Interface without Server (UIwS), keyboard and computer-executableinstructions. means for transmitting non- A computer, a cellulartelephone, a billing information with the portal, Secure Socket Layers(SSL)~ receipt order of magnitude better, a network, Internet, smartcards, a wireless access device, smart crystals, hand-held displayscreens, fiber optics, digital optical readers, digital print readers, abroadband network, a DVD-ROM, a CD-RW, VAN (Value Added Network)database, a telecommunication line cord, a bio- crystal network, barcodes, data crystals, artificial intelligence, laser scanners, ISP's(Internet Service providers), PPP's (Point-to-Point Protocol), SHTP's(Secure Hypertext Transfer Protocol), User Interface without Server(UIwS), keyboard and computer-executable instructions. means forencrypting the receipt Secure Socket Layers (SSL)--order of and thepayment instructions magnitude better, VAN (Value Added Network)database, keyboard and SHTP's (Secure Hypertext Transfer Protocol) meansfor digitally signing the Secure Socket Layers (SSL)-order of receiptmagnitude better, VAN (Value Added Network) database, keyboard andSHTP's (Secure Hypertext Transfer Protocol) and User Interface withoutServer (UiwS) means for authenticating the Secure Socket Layers(SSL)-order of receipt magnitude better, VAN (Value Added Network)database, keyboard and SHTP's (Secure Hypertext Transfer Protocol)

Example 1

The following, in conjunction with FIG. 1, describes a typical exampleof how this system and the process work. A Police Administration PoliceAdministration Citation/Police Administration Ticket is issued. Thecustomer during the next 21 days, using a Web Browser logs into theCorporation system. He/She then enters either the Police AdministrationCitation Number or License Plate Number or Driver's license Number andemail address and City, County, State, of issuance. The Corporationdatabase locates this Police Administration Citation and displays theamount charged by the City, County, State, Village or Township tosatisfy this Emergency Police Administration Citation/AdministrationTicket. If the customer agrees to pay the amount charged, the Paymentoptions are displayed for them. If no other data has been already loadedinto memory for a fast retrieval to be displayed. He/She then enters avalid Credit Card number, Bank routing number and Account number, ATMcard number, smart card, or Cyber Cash option. The system then validatesthis transaction. Upon payment the Corporation database time-stamp's anddate-stamp's this voucher and transmits it to the City, County, State,Village or Township where the issuance occurred; it also notifies thestate Department of Motor Vehicle of the payment against the Driver'slicense number. The funds are also transferred at the same time. Thecustomer receives an e-mail that the Police Administration Citation orEmergency Vehicle Ticket has been satisfied.

Step 1: A Police Administration Citation number or the individualLicense Plate Number or the City, County, State, of issuance or driverlicense number and e-mail address and a Unique identification number orBirth date are entered, in a encrypted form through a HTTP server into aVAN (Value Added Network) database where a digital signature is created.The Corporate then searches the appropriate databases to locate thenecessary information using a Gateway link, for protocol conversion,with firewalls in place for security. If the Police AdministrationCitation/Ticket has been transferred to the Department of MotorVehicles, then a Back-end process is invoked and the necessaryinformation is retrieved using an encrypted form through an HTTP serverin to the Corporate database.

Step 2. A Police Administration Citation retrieval system is disclosedthat improves a database system's response time so that a user's requestto view information is serviced quickly. During the time the user spendsviewing the displayed information, other information that the user islikely to read or study later is preloaded into memory. If the user doeslater request this information, this information can be written to thedisplay very quickly because the information need not be retrieved fromthe database. This system takes advantage of the fact that it ispossible to accurately locate the information that the user willrequest. Adaptive prediction schemes can be employed as an aid indetermining what information the user will request from the Departmentof Motor Vehicle, Office of Police Administration or Judicial Department(Corporate) where the Police Administration Citation was issued.

Step 3: A method for paying your Police Administration Citation over theInternet is comprised by identifying a digital signature to be paid. Apayment price for the Police Administration Citation is stated usingSecure Sockets Layer (SSL) and said payment identifier, querying adatabase of Government Entity (E-Government)-defined rules provided byE-government to determine if said ticket is to be paid to said citizenfor said price, said E-government-defined rules including prices whichare concealed from said citizen. After the stated step, the customer isthen asked to enter an amount of payment, if it is different from thestated amount. An authenticated payment request is sent to the Corporateusing SSL with encryption. The Corporate decrypts the desired PoliceAdministration Citation number, driver's license number, or LicensePlate Number and calculates a first cryptographic dollar amount for theencrypted Police Administration Citation. The encrypted digital PoliceAdministration Citation and the first cryptographic dollar amounttogether with a timestamp and date-stamp are then transmitted to thecustomer. This information is then decrypted and the customer confirms asecond cryptographic dollar amount and Police Administration Citationnumber which is also encrypted. The customer creates an electronicpayment order containing information identifying the transaction, thesecond cryptographic dollar amount, Police Administration Citationnumber, City, County, State of issuance, date-stamp and the timestamp.The electronic payment order is transmitted to the Banks and FinancialInstitutions using CGI script for an authorization request. TheCorporate compares the first and second cryptographic checksums toensure that they match, and if so, the Corporate adds an electronicsignature and a decryption key to the electronic payment order. TheCorporate submits the Corporate signed electronic payment order and thekey to an account server for review. The account server reviews theinformation in the electronic payment order and sends a message,including the key if the review is positive, to the Corporate. EmailNotification—automatically sends email to the customer informing them ofthe payment of the Police Administration Citation and a confirmationnumber. The Office of Police Administration/City, County, State,Judicial Department's or Department of Motor Vehicles database is thenupdated with the necessary information to satisfy the PoliceAdministration Citation issued using the decryption key.

Example 2

The following, in conjunction with FIG. 2, describes a typical exampleof how this system and the process work. A Citation/Traffic Ticket isissued. The customer during the next 45 days, using a Web Browser, logsinto the Corporation system. He/She then enters either the CitationNumber or Name, Driver's Ucense Number, Unique identification number orBirth date and City of Citation issued. The Corporation database locatesthis Citation and displays the amount charged by the City, Village orTownship to satisfy this Citation/Traffic Ticket. If the customeragrees, the Payment options are displayed for them. If not other datahas been already loaded into memory for a fast retrieval to bedisplayed. He/She then enters a valid Credit Card number, Bank routingnumber and Account number, ATM card number, smart card or Cyber Cashoption. The system then validates this transaction. Upon payment theCorporation databases time stamps and date-stamps this voucher andtransmits it to the City, Village or Township where the issuanceoccurred. The funds are also transferred at the same time. The customerreceives e-mail that the citation/traffic ticket has been satisfied. TheCity, Village, Township or County receives a notification via email orprinter for reconciliation purposes.

Step 1: A citation number or a name or a city of issuance or driverlicense number or an e-mail address or a Unique identification number orBirth date are entered in a encrypted form through a HTTP server into aVAN database where a digital signature is created. The Corporate thensearches the appropriate database to locate the necessary informationusing a Gateway link, for protocol conversion, with firewalls in placefor security.

Step 2. A citation retrieval system is disclosed that improves adatabase system's response time so that a user's request to viewinformation is serviced quickly. During the time the user spends viewingthe displayed information, other information that the user is likely toread or study later is preloaded into memory. If the user does laterrequest this information, this information can be written to the displayvery quickly because the information need not be retrieved from thedatabase. The invention takes advantage of the fact that it is possibleto accurately locate the information that the user will request.Adaptive prediction schemes can be employed as an aid in determiningwhat information the user will request from the Police Department(Corporate) where the citation was issued.

Step 3: A method for paying your citation over the Internet is comprisedby identifying a digital signature to be paid. A payment price for thecitation is stated using Secure Sockets Layer (SSL) and said paymentidentifier, querying a database of Government Entity(E-Government)-defined rules provided by E-government to determine ifsaid ticket is to be paid to said citizen for said price, saidE-government-defined rules including prices which are concealed fromsaid citizen. After the stated step, the customer is then asked to enteran amount of payment, if it is different from the stated amount. Anauthenticated payment request is sent to the Corporate using SSL withencryption. The Corporate decrypts the desired citation number, driver'slicense number, or name and calculates a first cryptographic dollaramount for the encrypted citation. The encrypted digital citation andthe first cryptographic dollar amount together with a timestamp anddate-stamp are then transmitted to the customer. This information isthen decrypted and the customer confirms a second cryptographic dollaramount and citation number, which is also encrypted. The customercreates an electronic payment order containing information identifyingthe transaction, the second cryptographic dollar amount, citationnumber, city of issuance, date-stamp and the timestamp. The electronicpayment order is transmitted to the Banks and Financial Institutionsusing CGI script for an authorization request. The Corporate comparesthe first and second cryptographic checksums to ensure that they match,and if so, the Corporate adds an electronic signature and a decryptionkey to the electronic payment order. The Corporate submits the Corporatesigned electronic payment order and the key to an account server forreview. The account server reviews the information in the electronicpayment order and sends a message, including the key if the review ispositive, to the Corporate. Email Notification—automatically sends emailto the customer informing them of the payment of the citation and aconfirmation number. The City Police department's database is thenupdated with the necessary information to satisfy the Citation issuedusing the decryption key.

Example 3

The following, in conjunction with FIG. 3, describes a typical exampleof how this system and the process work. A Court Tickets/Court Warrantor Court Citation is issued. The customer during the next 21 days, usinga Web Browser, logs into the Corporation system. He/She then enterseither the Citation Number or Name, Unique identification number orBirth date and City of Citation issued. The Corporation database locatesthis Citation and displays the amount charged by the State, County,Village or Township to satisfy this Citation, Warrant or Ticket. If thecustomer agrees to pay the fine charged, the Payment options aredisplayed for them. If not other data has been already loaded intomemory for a fast retrieval to be displayed. He/She then enters a validCredit Card number or Bank routing number and Account number or ATM cardnumber, smart card or Cyber Cash option. The system then validates thistransaction. Upon payment the Corporation database time stamps anddate-stamps this voucher and transmits it to the State, County, State,Village or Township where the issuance occurred it also notifies of theLocal Police Department if necessary of the payment against the Driver'slicense number of the individual who received the ticket, warrant orcitation. The funds are also transferred at the same time. The customerreceives an e-mail that the Citation, Warrant or Ticket has beensatisfied.

Step 1: A citation number or the individual name and the City ofissuance and driver license number are entered, in a encrypted formthrough a HTTP server into a VAN (Value Added Network) database where adigital signature is created. The Corporate then searches theappropriate databases to locate the necessary information using aGateway link, for protocol conversion, with firewalls in place forsecurity. If the Citation, Warrant or Ticket has been transferred to thePolice Department, then a Back-end process is invoked and the necessaryinformation is retrieved using a encrypted form through a HTTP server into the Corporate database.

Step 2. A citation retrieval system is disclosed that improves adatabase system's response time so that a user's request to viewinformation is serviced quickly. During the time the user spends viewingthe displayed information, other information that the user is likely toread or study later is preloaded into memory. If the user does laterrequest this information, this information can be written to the displayvery quickly because the information need not be retrieved from thedatabase. The system takes advantage of the fact that it is possible toaccurately locate the information that the user will request. Adaptiveprediction schemes can be employed as an aid in determining whatinformation the user will request from the Police Department, Office ofCourt of Clerks or Financial Institutions (Corporate) where the citationwas issued.

Step 3: A method for paying your citation over the Internet is comprisedby identifying a digital signature to be paid. A payment price for thecitation is stated using Secure Sockets Layer (SSL) and said paymentidentifier, querying a database of Government Entity(E-Government)-defined rules provided by E-government to determine ifsaid ticket is to be paid to said citizen for said price, saidE-government-defined rules including prices which are concealed fromsaid citizen. After the stated step, the customer is then asked to enteran amount of payment, if it is different from the stated amount. Anauthenticated payment request is sent to the Corporate using SSL withencryption. The Corporate decrypts the desired citation number, driver'slicense number, or name and calculates a first cryptographic dollaramount for the encrypted citation. The encrypted digital citation andthe first cryptographic dollar amount together with a timestamp anddate-stamp are then transmitted to the customer. This information isthen decrypted and the customer confirms a second cryptographic dollaramount and citation number, which is also encrypted. The customercreates an electronic payment order containing information identifyingthe transaction, the second cryptographic dollar amount, citationnumber, City of issuance, date-stamp and the timestamp. The electronicpayment order is transmitted to the Banks and Financial Institutionsusing CGI script for an authorization request. The Corporate comparesthe first and second cryptographic checksums to ensure that they match,and if so, the Corporate adds an electronic signature and a decryptionkey to the electronic payment order. The Corporate submits the Corporatesigned electronic payment order and the key to an account server forreview. The account server reviews the information in the electronicpayment order and sends a message, including the key if the review ispositive, to the Corporate. Email Notification—automatically sends emailto the customer informing them of the payment of the citation and aconfirmation number. The Office of Court Of Clerks/City JudicialDepartment's or Police Department database is then updated with thenecessary information to satisfy the Citation, Warrant or Ticket issuedusing the decryption key.

Example 4

The following describes a typical example of how this system and theprocess work. A Parking Citation/Parking Ticket is issued. The customerduring the next 21 days, using a Web Browser, logs into the Corporationsystem. He/She then enters either the Citation Number or Name, Driver'slicense Number, Unique identification number or Birth date and City ofCitationissued. The Corporation database locates this Citation anddisplays the amount charged by the City, Village or Township to satisfythis Citation/Parking Tickets. If the customer agrees to pay the finecharged, the Payment options are displayed for them. If not other datahas been already loaded into memory for a fast retrieval to bedisplayed, and the option of Drivers Training School is shown with theamount necessary to sign-up for it. He/She then enters a valid CreditCard number, Bank routing number and Account number, ATM card number,smart card or Cyber Cash option. The system then validates thistransaction. Upon payment the Corporation database time stamps anddate-stamps this voucher and transmits it to the City, Village orTownship where the issuance occurred it also notifies the stateDepartment of Motor Vehicle of the payment against the Driver's licensenumber of the individual who received the ticket/citation. The funds arealso transferred at the same time. The customer receives an e-mail thatthe Citation/Parking Tickets has been satisfied.

Step 1: A citation number or the individual name or the City of issuanceor driver license number or an e-mail address or a Unique identificationnumber or Birth date are entered, in a encrypted form through a HTTPserver into a VAN (Value Added Network) database where a digitalsignature is created. The Corporate then searches the appropriatedatabases to locate the necessary information using a Gateway link, forprotocol conversion, with firewalls in place for security. If theCitation/Ticket has been transferred to the Department of MotorVehicles, then a Back-end process is invoked and the necessaryinformation is retrieved using an encrypted form through an HTTP serverin to the Corporate database and said payment identifier, querying adatabase of Government Entity (E-Government)-defined rules provided byE-government to determine if said ticket is to be paid to said citizenfor said price, said E-government-defined rules including prices whichare concealed from said citizen.

Step 2. A citation retrieval system is disclosed that improves adatabase system's response time so that a user's request to viewinformation is serviced quickly. During the time the user spends viewingthe displayed information, other information that the user is likely toread or study later is preloaded into memory. If the user does laterrequest this information, this information can be written to the displayvery quickly because the information need not be retrieved from thedatabase. The invention takes advantage of the fact that it is possibleto accurately locate the information that the user will request.Adaptive prediction schemes can be employed as an aid in determiningwhat information the user will request from the Department of MotorVehicle, Office of Parking Violations or Judicial Department (Corporate)where the citation was issued.

Step 3: A method for paying your citation over the Internet is comprisedby identifying a digital signature to be paid. A payment price for thecitation is stated using Secure Sockets Layer (SSL). After the statedstep, the customer is then asked to enter an amount of payment, if it isdifferent from the stated amount. An authenticated payment request issent to the Corporate using SSL with encryption. The Corporate decryptsthe desired citation number, driver's license number, or name andcalculates a first cryptographic dollar amount for the encryptedcitation.

The encrypted digital citation and the first cryptographic dollar amounttogether with a timestamp and date-stamp are then transmitted to thecustomer. This information is then decrypted and the customer confirms asecond cryptographic dollar amount and citation number, which is alsoencrypted. The customer creates an electronic payment order containinginformation identifying the transaction, the second cryptographic dollaramount, citation number, City of issuance, date-stamp and the timestamp.The electronic payment order is transmitted to the Banks and FinancialInstitutions using CGI script for an authorization request. TheCorporate compares the first and second cryptographic checksums toensure that they match, and if so, the Corporate adds an electronicsignature and a decryption key to the electronic payment order. TheCorporate submits the Corporate signed electronic payment order and thekey to an account server for review. The account server reviews theinformation in the electronic payment order and sends a message,including the key if the review is positive, to the Corporate. EmailNotification—automatically sends email to the customer informing them ofthe payment of the citation and a confirmation number. The Office ofParking Violations/City Judicial Department's or Department of MotorVehicles database is then updated with the necessary information tosatisfy the Citation issued using the decryption key.

Example 5

The following, in conjunction with FIG. 5, describes a typical exampleof how this system and the process work. A invoice is generated, thecustomer during the next 30 days, using a Web Browser, logs into theCity/County/Corporation system. He/She then enters either the invoicenumber or property address or City or County of issuance and e-mailaddress. The City/County/Corporation database locates this invoicenumber and displays the amount charged by the City, County, Village orTownship to satisfy this invoice. If the customer agrees to pay theamount charged, the Payment options are displayed for them. If not otherdata has been already loaded into memory for a fast retrieval to bedisplayed. He/She then enters a valid Credit Card number, Bank routingnumber and Account number, ATM card number, smart card or Cyber Cashoption. The system then validates this transaction. Upon payment theCorporation database time stamps and date-stamps this voucher andtransmits it to the City, County, State, Village or Township where theissuance occurred; it also notifies the state Department of MotorVehicle of the payment against the Driver's license number. The fundsare also transferred at the same time. The customer receives an e-mailthat the invoice has been satisfied.

Step 1: A Invoice number or the individual property address and theCity, State, are entered, in an encrypted form through a HTTP serverinto a VAN (Value Added Network) database where a digital signature iscreated. The Corporate then searches the appropriate databases to locatethe necessary information using a Gateway link, for protocol conversion,with firewalls in place for security. If the Invoice has beentransferred to the Office for the Court of Clerks, then a Back-endprocess is invoked and the necessary information is retrieved using anencrypted form through an HTTP server in to the City/County/Corporatedatabase.

Step 2. A Invoice retrieval system is disclosed that improves a databasesystem's response time so that a user's request to view information isserviced quickly. During the time the user spends viewing the displayedinformation, other information that the user is likely to read or studylater is preloaded into memory. If the user does later request thisinformation, this information can be written to the display very quicklybecause the information need not be retrieved from the database. Thissystem takes advantage of the fact that it is possible to accuratelylocate the information that the user will request. Adaptive predictionschemes can be employed as an aid in determining what information theuser will request from the City/County'Corporation where the Invoice wasissued.

Step 3: A method for paying your Invoice over the Internet is comprisedby identifying a digital signature to be paid. A payment price for theInvoice is stated using Secure Sockets Layer (SSL) and said paymentidentifier, querying a database of Government Entity(E-Government)-defined rules provided by E-government to determine ifsaid ticket is to be paid to said citizen for said price, saidE-government-defined rules including prices which are concealed fromsaid citizen. After the stated step, the customer is then asked to enteran amount of payment, if it is different from the stated amount. Anauthenticated payment request is sent to the Corporate using SSL withencryption. The Corporate decrypts the desired Invoice number, propertyaddress and calculates a first cryptographic dollar amount for theencrypted Invoice.

The encrypted digital Invoice and the first cryptographic dollar amounttogether with a timestamp and date-stamp are then transmitted to thecustomer. This information is then decrypted and the customer confirms asecond cryptographic dollar amount and Invoice number, which is alsoencrypted. The customer creates an electronic payment order containinginformation identifying the transaction, the second cryptographic dollaramount, Invoice number, City, State of issuance, date-stamp and thetimestamp. The electronic payment order is transmitted to the Banks andFinancial Institutions using CGI script for an authorization request.The Corporate compares the first and second cryptographic checksums toensure that they match, and if so, the Corporate adds an electronicsignature and a decryption key to the electronic payment order. TheCorporate submits the Corporate signed electronic payment order and thekey to an account server for review. The account server reviews theinformation in the electronic payment order and sends a message,including the key if the review is positive, to the Corporate. EmailNotification—automatically sends email to the customer informing them ofthe payment of the and a confirmation number. The Accounting office orother relevant office for the City, County, State database is thenupdated with the necessary information to satisfy the Invoice issuedusing the decryption key.

The above description is presented to enable a person skilled in the artto make and use the invention, and is provided in the context of aparticular application and its requirements. Various modifications tothe preferred embodiments will be readily apparent to those skilled inthe art, and the generic principles defined herein may be applied toother embodiments and applications without departing from the spirit andscope of the invention. Thus, this invention is not intended to belimited to the embodiments shown, but is to be accorded the widest scopeconsistent with the principles and features disclosed herein.

The invention claimed is:
 1. A method for transferring an amount to bepaid, comprising: searching for available wireless computing devices;selecting a payee via input provided through one of the availablewireless computing devices; selecting a payment option for transferringa payment amount to the payee; entering the payment amount via thewireless computing device; authorizing payment instructions to the payeethrough direct communication with an entity maintaining an account of apayor, the authorizing comprising associating the payment amount withpayment remittance information arranged within a computer readable datastructure, the payment remittance information further comprises astructured remittance data, wherein at least part of the paymentremittance information is kept hidden from the payee; and receivingconfirmation that the payment amount was received by the payee, whereineach method operation is executed through a processor.
 2. The method ofclaim 1, wherein the payment instructions comprise at least an amount tobe paid and the account at a payor from which to draw the amount to bepaid.
 3. The method of claim 1, wherein the payee is prohibited fromaltering data contained in the payment instructions.
 4. The method ofclaim 1, wherein the direct communication is performed withoutintervention of the payee.
 5. The method of claim 1, wherein at least aportion of the payment instructions is kept hidden from the payor. 6.The method of claim 1, wherein the wireless device is a cellular phone.7. The method of claim 1, wherein the authorizing comprises: specifyingthe payment instructions to include the amount to be paid and theaccount at a payor from which to draw the amount to be paid.
 8. Themethod of claim 7, wherein the payor is selected from a group consistingof a bank, a user, and a credit card facility.
 9. The method of claim 1,wherein the payee is selected from a group consisting of anintermediary, a government agency, a government department, a business,a citizen, and a collection agency.
 10. The method of claim 1, whereinthe authorizing comprises: specifying the payment instructions toinclude the amount to be paid and an account at a payor from which todraw the amount to be paid.
 11. The method of claim 10, wherein thepayor is selected from a group consisting of a bank, a user, and acredit card facility.
 12. A method for transferring an amount to bepaid, the method comprising; locating a gateway link providing access toa database; selecting a payment option for transferring a payment amountto the payee through a wireless computing device; entering the paymentamount via the wireless computing device; authorizing paymentinstructions to the payee, wherein the authorizing is performed withoutintervention of the payee; and receiving confirmation through thegateway link that the payment amount was received by the payee, whereinthe payee is prohibited from altering data contained in the paymentinstructions, and wherein each method operation is executed through aprocessor.
 13. The method of claim 12, wherein the payment instructionscomprise at least an amount to be paid and an account at a payor fromwhich to draw the amount to be paid.
 14. The method of claim 12, whereinthe selecting is executed through a cellular phone.
 15. The method ofclaim 12, wherein a least a portion of the payment instructions is kepthidden from the payee.
 16. The method of claim 12, wherein at least aportion of the payment instructions is kept hidden from the payor. 17.The method of claim 12, wherein the payee is selected from a groupconsisting of an intermediary, a government agency, a governmentdepartment, a business, a citizen, and a collection agency.